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Hsbc all FTSE tracker vs Vanguard LifeStrategy fund
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# 1
MarcoM
Old 05-07-2012, 7:50 PM
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Default Hsbc all FTSE tracker vs Vanguard LifeStrategy fund

Hi,

Which package would you choose between the two?

I am what you would call a passiva investor so the less hassle the better.
Money about 20k can be locked for a few years.

Thanks
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# 2
jimjames
Old 05-07-2012, 8:14 PM
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I'd use HSBC
Remember the saying: if it looks too good to be true it almost certainly is.
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# 3
srcandas
Old 05-07-2012, 8:48 PM
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They are very different animals. The Vanguard comes in different flavours to match your risk level. The HSBC tracker is all equity if I'm looking at it correctly and I believe failed to beat it's sector or benchmark over 5 years. Vanguard is on the other hand fairly new so no real history.

Also costs vary depending on where and how you want to keep your investment.

You'd need to be more specific about the circumstances and your objectives to get a clear idea. But that's all part of the fun

ps both could be passive
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# 4
bigadaj
Old 05-07-2012, 9:13 PM
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To be fair the hsbc is a tracker with charges so it's not normally going to beat it's index, would think it's probably second quartile over longer time periods which is respectable.

Does anyone know who is offering he vanguard funds now?
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# 5
Totton
Old 05-07-2012, 9:32 PM
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For me it's a no brainer, I would go for the Vanguard Life Strategy fund. Probably the 80/20 unless it was for less than 10 years when I would probably go for the 60/40. Much better to have a global spread than a ftse tracker, too much risk imho.
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# 6
dunstonh
Old 05-07-2012, 10:03 PM
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Quote:
I am what you would call a passiva investor so the less hassle the better.
Architas multi asset passive funds or vanguard lifestyle depending on your platform. HSBC trackers are not diverse enough.
I am a Financial Adviser. Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
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# 7
oldtoolie
Old 07-07-2012, 4:56 PM
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The HSBC fund is only UK equity while the Vanguard funds are diversified with international shares and bonds.

So if you only have one fund, go Vanguard. See here more more information.

Vanguard LifeStrategy funds turn passive investing catatonic

http://monevator.com/vanguard-lifestrategy/
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# 8
MarcoM
Old 07-07-2012, 7:44 PM
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ok thanks. Which would be the best online platform to use in order to buy the Vanguard Lifestrategy Fund?

many thanks
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# 9
BadgerFace
Old 08-07-2012, 10:16 AM
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I used Hargreaves lansdown. Their monthly platform fee is 2. It works out cheapest if you make monthly contributions, but only to one fund. If you are planning on a single lump sum then someone else who charge per deal may be better.
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